The Friends of the Guiding Star Grange in Greenfield, Mass. have been purchasing our own insurance on a per-dance basis ($50/event) from CDSS. We do not run a regular series, only a few dances a year on an irregular schedule, so it's not worth it to us to buy at the yearly rate. I don't know what the several other Greenfield dance organizers do. The Grange itself has insurance which theoretically covers any events which rent the hall, but we on the Friends board opted to further protect ourselves with another layer of coverage. Liz Sturgen In a message dated 10/12/2011 9:54:22 P.M. Eastern Daylight Time, gtwood(a)worldpath.net writes: Hi All, Thanks Brian - I run a small dance in Central NH and for the first time we are required to purchase Liability insurance. The Town suggested a vendor Tenant Users Liability Insurance Policy (TULIP) the rate I located (with considerable digging ) in their list of events, was quite reasonable (compared to DEFFA) If I had to go through all the other hurdles, that Brian and others have mentioned, I would probably give it up. The dance I organize and call barely makes enough to pay performers any more hassles and it won't be worth doing. I may be nieve but I feel that dancers are honest and will take responsibility for their own well being in the event of an accident . I also realize that times are changing... thanks Gale Wood _______________________________________________ Organizers mailing list Organizers(a)sharedweight.net http://www.sharedweight.net/mailman/listinfo/organizers